What is Workers Compensation Insurance?

The Texas Workers
Compensation system is the method by which covered workers are
compensated for work-related injuries or illnesses. An employer's
insurance company, self-insurance group with a certificate of approval,
or an individual employer with a certificate of authority to
self-insure pays benefits for work-related injuries, even if the
injured worker’s negligence contributed to the accident. However,
neither the insurance company nor the employer is liable for injuries
that

are intentional or self-inflicted

result from the employee’s horseplay or voluntary intoxication (either alcohol or drug-induced)

result from "acts of God," unless a person's job exposes him or her to a greater than ordinary risk of injury from such acts

are inflicted by someone else for personal reasons unrelated to employment.

What Coverage Does Workers Compensation Insurance Provide?

The
Texas Workers Compensation Act limits a covered employer's liability
to a specific schedule of benefits based on the type and severity of
the worker’s injury. Benefits include lifetime medical benefits for necessary treatment of compensable injuries and illnesses